Car Insurance Policy Booklet - Your Premier - Hastings Direct

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Your Premier
Car Insurance
Policy Booklet
Our policy gives you 5 star protection

Hastings Direct and Premier Car insurance policies have been awarded a 5 Star Rating from
Defaqto, the independent financial research company. This is great news for our customers
      and us as it supports our goals of delivering great straightforward service to our
     customers, as well as being the lowest cost provider of quality general insurance.

    Most of all it means we can be confident that our motor insurance products are not
    only a great price, but are some of the most comprehensive policies on the market.

                           What is a Defaqto Star Rating?
    Defaqto are an independent financial research company who specialise in collecting,
                   researching and sharing financial product information.

 Since 1994 they have built a comprehensive, whole of market, financial product information
database and become one of the leading providers of financial product information in the UK.

  Defaqto Star Ratings are a simple, reliable way to identify at a glance the overall level of
 features or benefits within an insurance policy - whether a customer needs a simple policy,
               one with lots of features and benefits or something in between.

                  Find out more at www.defaqto.com/star-ratings

                                                          PERSONAL LINES BROKER
                                                               OF THE YEAR

                  2013 Insurance Times Awards, Personal Lines Broker of the Year
          2013 and 2014 Car Insurance Provider of the Year, Consumer Moneyfacts Awards
                2013 and 2014 UK Broker Awards, Personal Lines Broker of the Year
                  2014 British Insurance Awards, Personal Lines Broker of the Year
Contents

Things you need to know                               Contract of insurance                         27

Claims service                                    2   Guide to cover                                28

Information about your contracts for insurance    4   Meaning of words                              29

Caring for our customers                          5

Travelling abroad?                                6   Policy cover

Consumer Insurance                                6   1.    Damage to your car                      30
(Disclosure and Representation) Act 2012                    (except that caused by fire or theft)

Keeping your policy up to date                    7   2.    Damage or loss by fire or theft         34

                                                      3.    Liability to third parties              37

Hastings Direct’s terms                               4.    Personal accident                       39
and conditions                                        5.    Territorial limits and using            40
Whose products do we offer?                       9         your car abroad

Who regulates us?                                 9   6.    Medical expenses                        41

Ownership and close links                         9   7.    Personal belongings                     41

What is the insurance intermediary               10   8.    Glass damage                            42
service we provide you with?                          9.    No-claim discount                       42
What you have to pay for our services            10   10.   Child seat cover                        43
Client money and instalments                     12   11.   Overnight accommodation or              43
Introducer arrangements                          12         onward transport following a claim

Renewing your policy                             13   General exceptions                            44

Automatic renewal                                13   General conditions                            46

After renewal                                    14   Cancellation                                  49

Data protection notice                           14   Endorsements                                  51

When do we collect personal data?                15   Important guidelines when                     54
                                                      travelling abroad
How we will use your data?                       15

Credit checks                                    17
                                                      Your motor legal expenses and
Compliance with legal obligations                18   breakdown cover policy wording
and responsibilities
                                                      Motor Legal Expenses                          58
How your data will be processed                  19
                                                      Hastings Direct Motor Breakdown               73
Can I see the personal information you           20
hold about me?

                                                      Useful information
Motor insurance policy
                                                      Useful information and frequently             97
Your policy summary (Key Facts)                  22
                                                      asked questions
Information about your policy documents          27

Car Insurance Policy Wording                                    Customer Service 0800 035 4801           1
Claims service
    We hope that you are never unfortunate enough to have an accident or loss, however we also
    know that these things happen and that the true value of your car insurance lies in the service
    you receive at this difficult time.

    You should notify us of any accident or loss within 24 hours of the occurrence. By notifying us
    as soon as possible, your insurer can settle your claim quicker, and if your car is repairable,
    arrange for one of their nominated repairers to be notified as soon as possible. Furthermore
    quickly notifying us of the incident means that the details are fresh in your mind and can help
    your insurer lessen the cost involved in dealing with your claim, helping them to keep their
    prices as low as possible.

    What to do If you have an accident — remember STOP:

     S     Stop at the scene of the accident, never admit blame or offer to pay for damage, and
           tell us if anyone else does.
     T     Telephone us on 0844 561 1417, even if you do not want to make a claim.

    O      Obtain the name, address, telephone number and vehicle registration of the other
           drivers and give yours in return. Try and get details of any witnesses.

     P     Police. Call the Police if there has been an injury or if any driver does not stop at the
           scene or give their details.

    If you become aware of any insurance related incident, you must tell us, even if you don’t want
    to make a claim.

      Need to make a claim?                           If you need to report an incident from
      Simply call our friendly team on:               outside of the UK, please call us on:

      0844 561 1417                                   00 44 1424 738 585
    Remember to save this number in your mobile phone (if you have one) so you will have it
    available if an incident occurs.

    Our claims helpline is open 24 hours a day, 365 days a year and is a first response service
    with operators who can confirm whether your policy covers you for the incident. When you
    call us, we will ask you some questions about the circumstances of the incident, we will then
    transfer you to your insurer’s claims department who will take the next steps.

If the only damage is to the windscreen or windows in your car, please call the glassline
shown on your certificate of motor insurance and on your schedule. This line is open
24 hours a day 365 days a year.

2     Car Insurance Policy Wording                               Customer Service 0800 035 4801
What number to call in the event of a claim for Legal
Expenses or for Breakdown:

  Claims for Motor Legal Expenses:                       Claims for Breakdown cover

  Accident related claims:         0844 800 4585         within the UK:     0844 8793048
  Motor Prosecution Defence:       0844 770 1051         within Europe:     00 44 1737 815 876

Repair Service for an accident when using your insurer’s nominated repairer:
Remember that by using your insurer’s nominated repairer, you will benefit from a number
of things, including a guarantee for your repairs, and authorisation and payment direct to the
repairer. All you need to do is pay your excess.

You are of course permitted to use your own repairer, however you will not be entitled to the
benefits shown in the table below and will need to submit repair estimates to your insurer for
authorisation, which may delay the progress of your claim.

 Repairs            If the damage to your car is covered under your policy and can be repaired,
                    then your insurer will arrange for one of its nominated repairers to contact you.

 Authorisation      You do not need to get any estimates and your repairs can begin as soon
                    as your insurer has authorised them.

 Delivery           When the work is complete, the repairer will contact you to arrange a
                    convenient time to deliver your car back to you.

 Payment            Your insurer will pay the bill. All you need to do is pay any policy excess to
                    the repairer before the car is delivered back to you.

If your car is a total loss (a write off), your insurer will ask you to send in your original
documents (for example V5C and MOT certificate). Remember to clear your car of personal
belongings and your tax disc before it is collected.

  • The service is only available for the duration of your repairs, if you use one of your
Points you need to know about the courtesy car service:

    insurer’s nominated repairers for repairs to your car following damage covered under
    Sections 1 and 2 of your policy.
  • A courtesy car is not available if your car is stolen or is considered to be a total loss
  • The courtesy car will usually be a Group A vehicle, such as a Ford Ka.

Car Insurance Policy Wording                                  Customer Service 0800 035 4801            3
Points you need to know about the courtesy car service (continued)

      • The courtesy car will be automatically insured by this policy, subject to underwriting
        terms and conditions, at no additional cost, and normal policy terms will apply.
      • You will be responsible for the courtesy car, including any fines for parking, motor
        offences and fixed penalties and any congestion or toll charges incurred.

    The courtesy car service is provided by the insurer’s nominated repairer. You can find out who
    your insurer is by looking at your statement of insurance, your schedule or your certificate of
    motor insurance.

    Remember, if you have purchased substitute vehicle cover as an optional additional product,
    you will be able to make a claim for a hire car in the event of your car being declared a total
    loss following an accident that was your fault, fire or attempted theft. Your statement of price
    will show if you have purchased this cover, and full details of the policy can be found in your
    optional additional products booklet.

    Information about your contracts of insurance
    You will enter into two separate contracts when you take out an insurance policy through us.
    The first contract is with us for arranging and administering your insurance policy, on your
    behalf, and we shall charge you arrangement and administration fees for providing our
    services. Our terms and conditions are set out in this document.

    The second contract is with the insurer noted on your certificate of motor insurance and your
    policy schedule, for providing your insurance and they shall charge you a separate premium
    inclusive of insurance premium tax. Their terms and conditions are set out in this document
    (pages 22–end) and your statement of insurance, certificate of motor insurance and schedule.

The new business arrangement and administration fees and insurer premium will form the
cost of the insurance. The amounts paid in respect of the cover you hold are found in your
statement of price.

If you make any changes to your policy, additional costs may be incurred.

Please note that when we are arranging your insurance or making any adjustments to it, we
are acting on your behalf as your agent. When dealing with claims for Advantage Insurance
Company Limited we are acting as the agent for the insurer. All other claims will be dealt with
by the insurer concerned. If you are unhappy or concerned with this arrangement or wish to
have more information please contact us.

4     Car Insurance Policy Wording                               Customer Service 0800 035 4801
Caring for our customers
It is always our intention to provide you with a high level of customer service. However, if you
are dissatisfied with the service provided by Hastings, the best way to contact us is via e-mail
at the address below, you may also contact us by phone or letter:
    • customerrelations@hastingsdirect.com
    • 0800 035 4801 or 0333 321 9801 (from mobile or non BT Lines). (Customer Service Helpline)
    • Customer Relations Department, Hastings Direct, Conquest House, Collington Avenue,
       Bexhill-On-Sea, East Sussex, TN39 3LW

If you make a complaint and it cannot be resolved immediately or by the end of the next
working day, we will send you a written acknowledgement, typically within five working days.
This acknowledgement letter will let you know who is dealing with your concerns.

We will endeavour to resolve the matter as soon as possible. We will fully investigate your
complaint using all the information available to us, and our customer relations department will
make every effort to address your concerns.

To ensure we deal with your complaint fully our investigations can sometimes take a little
longer. If they do, we will provide you with a final response usually within four weeks or explain
our position and provide timescales for responding. If our investigations take longer than four
weeks we will keep you fully informed of the position until we are able to provide you with a
final response.

Should we fail to offer you a final response within eight weeks of the initial date of your
complaint, or if you are not satisfied with our response, you may refer the dispute to the
Financial Ombudsman within six months of receiving our final response letter. Their address is:

Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR
Tel: 0800 023 4567 or 0300 123 9 123 Email: complaint.info@financial-ombudsman.org.uk

If your insurance is at Lloyd’s, then in the event that you remain dissatisfied and wish to make
a complaint, you can do so at any time by referring the matter to the Policyholder and Market
Assistance team at Lloyd’s. Their address is:

Policyholder & Market Assistance, Market Services, Lloyd’s, One Lime Street, London EC3M 7HA.
Tel No: 020 7327 5693 Fax No: 020 7327 5225 E-mail: complaints@lloyds.com

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint—How We Can
Help” available at www.lloyds.com/complaints and are also available from the above address.

Nothing in this process will affect your rights of law.

Car Insurance Policy Wording                               Customer Service 0800 035 4801            5
Financial Services Compensation Scheme (FSCS)

    We and your insurer are covered by the FSCS. You may be entitled to compensation from the
    scheme in the unlikely event we/your insurer cannot meet our obligations to you. This depends
    on the type of insurance, size of the business and the circumstance of the claim.

    Further information about the compensation scheme arrangements is available from FSCS
    (www.fscs.org.uk).

    Travelling abroad?
    Your current policy cover is automatically extended to include travel in the EU and the countries
    listed in section 5 for up to 90 days per trip.

    If you intend to travel for more than 90 days per trip or visit countries not listed in section 5,
    your policy cover may be extended for the trip or for these countries. Please call our customer
    service department on 0800 035 4801 or 0333 321 9801 (from mobile or non BT Lines).
    at least 7 days before the date of your departure. You may have to pay an additional premium
    for this.

    Consumer Insurance (Disclosure and
    Representation) Act 2012
    Under the Consumer Insurance (Disclosure and Representation) Act 2012, you have a duty
    to take reasonable care to answer all questions as fully and as accurately as possible. If you
    volunteer information which is over and above that requested, you must do so honestly and
    carefully.

You should check your statement of insurance to ensure that all facts given are correct.
It is an offence to make any false statement or withhold any information for the purpose
of obtaining a certificate of motor insurance.

Failure to answer all questions fully and accurately could invalidate your insurance cover
and could result in all or part of a claim not being paid.

6     Car Insurance Policy Wording                                Customer Service 0800 035 4801
Keeping your policy up to date
The terms of your policy and premium are based on the information you have given us. If any
of this information changes you should tell us by calling our customer service department.
Below are some examples of what you should tell us. Please note these lists are not exhaustive
and you should contact us if you are unsure about whether you need to inform us of a change.
Any changes to your policy will be subject to your insurer’s agreement and may not be
acceptable, therefore please contact us for guidance on changes you wish to make.
If a change to your policy is acceptable it may result in revised terms and/or a change in the
premium. Any changes to your policy will also be subjected to our administration fee, please
see page 11 for details.

  • You or any insured drivers are involved in an accident, no matter how trivial and
Please tell us immediately if:

    regardless of blame; or
  • You change your address or you or any insured drivers change occupations; or
  • Your or any insured driver’s driving licence is revoked either temporarily or permanently,
    or the status of the driving licence has changed, e.g. if you or any insured driver has
    passed their driving test.

  • If you intend to change your car.
Please tell us about the following beforehand:

  • If you intend to change what you use your vehicle for.
  • If you want to include other drivers.
  • If you intend to alter your car from the manufacturer's standard specification.
     Alterations include optional extras and any changes to bodywork; these include but are
     not limited to:
     - Changes to the bodywork, such as spoilers or body kits.
     - Changes to suspension or brakes.
     - Cosmetic changes such as alloy wheels.
     - Changes affecting performance such as changes to the engine management system or
        exhaust system.
     - Changes to the audio/entertainment system.
  Please be aware that this is not a full list of all possible changes. All changes made from the
  manufacturer’s standard specification must be disclosed. This policy does not cover any non
  standard parts (modifications). Manufacturer’s optional extras are only covered if they have
  been declared and your insurer has agreed to arrange cover for them.

  If you make a claim for loss or damage to your car, your insurer will only pay the cost of
  replacing parts needed for your car to meet the manufacturer’s standard specification.
  Failure to notify us of a modification may result in your policy being cancelled or treated as
  if it never existed, or in your claim being rejected or not fully paid.

Car Insurance Policy Wording                               Customer Service 0800 035 4801           7
Please tell us about the following when you renew your policy:
    Should there have been any changes to the insurance details of you or any other person
    named as a driver under this policy. Such changes to insurance details include, but are not
    limited to:
       • Any information listed on the previous page, that should be advised immediately or
          beforehand.
       • Any accidents, claims, losses or damages to any vehicle, whether or not a claim was
          made and regardless of blame. This includes all types of claims, damages or accidents
          such as fire, theft or glass damage (windscreen or window).
       • Any prosecutions or motoring convictions that you or any insured drivers have received
          during the year, or any pending prosecutions, motoring convictions or fixed penalty
          notices or licence endorsements.
       • Any medical or physical condition or disability, for you or any insured drivers, that is
          notifiable to the Driver and Vehicle Licensing Agency (DVLA)/Driver & Vehicle Agency
          Northern Ireland (DVANI) which has not been notified to and accepted by the DVLA/DVANI.
       • Any non-motoring convictions for all drivers that are not considered spent. A spent
          conviction is one which, under the terms of the Rehabilitation of Offenders Act 1974, can
          be effectively ignored after a specified amount of time. If however you have received a
          prison sentence of more than four years, your conviction will never become spent.

    Failure to notify any required changes and to take reasonable care to ensure that any information
    supplied is provided honestly, fully and correctly may result in your policy being cancelled or
    treated as if it never existed, or in your claim being rejected or not fully paid.

    Renewal terms will be offered based on the information you provided as shown on the
    statement of renewal. Please check the accuracy of this information and if any details are
    incorrect you should tell us by calling our renewals team on 0800 035 4801 or 0333 321 9801
    (from mobile or non BT Lines).

8     Car Insurance Policy Wording                               Customer Service 0800 035 4801
Hastings Direct’s terms and conditions
Whose products do we offer?

We can arrange the following products on your behalf with a range of insurers. If you would
like a list of the insurers we deal with please ask.

For each optional additional product we only use a single provider, details of which are
provided in our optional additional products policy wording.

Who regulates us?

Hastings Insurance Services Limited is authorised and regulated by the Financial Conduct
Authority (FCA).

Our FCA registered number is 311492. You can check our registration on the FCA’s register
by visiting their website www.fca.org.uk/register/ or by contacting the FCA on 0800 111 6768.

Our permitted business is arranging, dealing as agent and assisting in the administration of
non - investment insurance contracts.

Ownerships and close links

Hastings Insurance Services Limited is wholly owned by Hastings (UK) Limited (registered in
England and Wales number 06769523) which, in turn, is wholly owned by Hastings (Holdings)
Limited (registered in England and Wales number 07162484) which, in turn, is wholly owned
by Hastings Insurance Group Limited (registered in Jersey number 108490) (“HIG”) which, in
turn, is ultimately owned, through a succession of Jersey registered companies by Hastings
Insurance Group (Holdings) PLC (registered in Jersey number 113859) being the parent group
company.

If we have arranged your insurance with Advantage Insurance Company Limited, which is
wholly owned by Advantage Global Holdings Limited (“AGH”), we should inform you that
AGH is also wholly owned by HIG, which, in turn is ultimately owned, through a succession
of Jersey registered companies by Hastings Insurance Group (Holdings) PLC (registered in
Jersey number 113859) being the parent group company.

Car Insurance Policy Wording                              Customer Service 0800 035 4801        9
What is the insurance intermediary service we provide you
     with?

     We will provide you with sufficient information to enable you to make an informed decision on
     your purchase.

     As we will not make any recommendation please consider all information carefully to ensure
     the product(s) meet your requirements before you decide to proceed.

     Our service includes arranging your insurance cover on your behalf with insurers to meet
     your requirements, and helping you with any ongoing changes you have to make, such as
     amendments to the cover, use and property insured. We will also arrange the cancellation of
     your policy and arrange cover with an alternative insurer if your requirement to amend your
     policy is not acceptable to your original insurers. Additionally we will arrange optional
     additional covers such as legal protection and breakdown where these meet your needs.
     We will also arrange the renewal of your insurance. On behalf of your insurer, we will accept
     your first notification of an incident or claim, after which the details will be passed to your
     insurer.

     What you have to pay for our services

     We make charges for administering your insurance, these are listed on the table overleaf.
     Your insurer may charge a premium for any changes you make to your policy and will charge
     a premium for the time you have been on cover should you decide to cancel your policy.
     These premiums will be in addition to our fees, which are for our services only.

10     Car Insurance Policy Wording                               Customer Service 0800 035 4801
Each fee is non-refundable and is payable at the time of the transaction to which it relates

 Service                                                                                            Fee

 Policy arrangement & administration

 Arranging your new policy                                                                       £20.00

 Call centre arrangement (in addition to the £20.00 arranging your new policy fee)               £12.50

 Arranging your policy at renewal                                                                £20.00

 Postal delivery of documents                                                                      £5.00

 Amendments to your policy made by you

 All other amendments not listed below                                                           £25.00

 Change of registration number                                                                   £20.00

 Add/amend an accident or convictions                                                                 £0

 Amend vehicle security                                                                               £0

 Amend day time/overnight parking                                                                     £0

 Amend mileage                                                                                        £0

 Amend occupation                                                                                     £0

 Amend name/marital status                                                                            £0

 Correct an error by one of our advisers                                                              £0

 Amendment to your policy made by our business administration team                               £25.00

 As part of our new business process our business administration team will check your information and
 may have to make amendments to your policy to correct the information we hold. Any amendments
 made as a result of these checks will result in payment of our administration fee.

 *Cancellation - for full details of your right to cancel please see pages 49–50

 Cancellation (if you take up alternative cover from Hastings Direct)                                 £0

 Cancellation (within 14 days)                                                                   £25.00

 Cancellation (after 14 days)                                                                    £45.00

 Duplicate documentation

 Sent via e-mail or fax                                                                               £0

 Resent by post due to not being received within 6 weeks of the start of the policy                   £0

 Sent via post                                                                                     £5.00

 Failed payments

 Cheque/Direct debit                                                                             £20.00

 Method of payment charge

 Payments by debit card                                                                              0%

 Payments by credit card                                                                          1.25%

 Administration fee for third party referral following a failed payment                             £25

 If we give a discount on our fees and/or the insurer's premium at the inception of your policy, and the
 policy is subsequently cancelled we shall be entitled to reduce the amount of any refund to enable us to
 reclaim the unused portion of the discount.

Car Insurance Policy Wording                                       Customer Service 0800 035 4801           11
Client money and instalments

     All money received by us in respect of insurance premiums is held on behalf of the relevant
     insurer so that you have no risk in the unlikely event of our bankruptcy.

     The total price of your insurance is shown in your documents including insurance premium tax
     where applicable. For legal purposes, we are required to inform you of the possibility that other
     taxes or costs may exist that are not paid through or imposed by us, however, we are not
     aware of the existence of any other taxes or costs currently payable.

     When dealing with any amendments or alterations to your policy, we will not collect or refund
     any amounts under £1. Please note that any interest earned by us and any investment returns
     on any segregated designated investments will be retained by us.

     We use a third party to collect and store card details in accordance with industry standards.
     We will use the card details stored on our behalf to collect payment for mid-term changes,
     defaulted instalments including the associated fee, balances following cancellation and for
     the renewal of your policy. We will inform you in advance of doing so.

     In the event of you receiving an overpayment, we will attempt to recover our funds using the
     debit/credit card stored on our behalf.

     If payment is initially made by debit/credit card any refund will be made to the same card in
     accordance with the terms and conditions of the card issuer. All other refunds will be made
     by cheque. We are unable to give cash refunds.

     If you pay using our Direct Debit facility for any adjustments to your premium over the term
     of your loan, we have the right to ask for part or full payment of any additional amount.
     Any return of premium will be used to reduce your loan amount.

     If you fail to pay us any money you owe to us on the date due and we instruct a third party to
     collect this amount, you agree to pay our administration fee of £25.

 If you do not pay for your insurance, you must show these details to the person who paid on
 your behalf.

     Introducer arrangements

     A third party may have introduced you to us and for this the introducer may be paid a fee by us.

12     Car Insurance Policy Wording                               Customer Service 0800 035 4801
Renewing your policy

At least 24 days before your policy end date we’ll send you a notice of renewal letting you
know that your policy is due to expire. In most cases, this notice will include an offer to renew
for another year. To help you make an informed decision, any offer made will include key facts
about your policy, any changes to the policy terms and an offer price.

In a small number of cases, your insurer may not make you an offer to renew your policy.
If this happens, we will search our panel of insurers to try and find an alternative insurer for
you. If we’re able to find an alternative insurer, we’ll include their offer in your notice of
renewal. Likewise, we’ll tell you if we’re unable to find you an insurer.

If you’re intending to accept a renewal offer, you must take reasonable care to ensure that your
information contained in the policy is correct. This includes, but is not limited to, informing us of
any accidents, whether or not a claim was made, or any prosecutions or motoring convictions.
Failure to notify us of any required changes may result in your policy being cancelled or
treated as if it never existed, or in your claim being rejected or not fully paid.

If anything is not correct, or you need to inform us of any changes to your policy, please contact
our customer services team on 0800 035 4801 or 0333 321 9801 (from mobile or non BT Lines).

Each renewal of the policy represents a new contract of insurance. You will enter into a new
contract of insurance with your insurer commencing on the cover start date shown on your
renewal schedule.

Automatic renewal

We automatically renew most policies. This means that, unless you tell us otherwise, your
new insurance cover will start on your renewal date. If we intend to automatically renew your
policy we’ll tell you on your notice of renewal.

In a small number of cases, we won’t automatically renew your policy. We’ll tell you on your
notice of renewal if this is the case. Some of the reasons why we may not automatically renew
your policy include:
   1) You have previously told us you don't want to automatically renew your policy.
   2) Our panel of insurers won’t insure you for another year.
   3) You’ve an outstanding debt on your current policy.

If you don't want to renew your policy, or wish to opt out of the automatic renewal process,
please let us know before your renewal date. You can contact our customer services team
on 0800 035 4801 or 0333 321 9801 (from mobile or non BT Lines).

Car Insurance Policy Wording                                 Customer Service 0800 035 4801             13
After renewal

     You have a right to cancel your policy at any time. For full details of your right to cancel please
     see pages 49-50.

     If you pay for your policy by instalments, we’ll continue to collect your premium on a monthly
     basis, using the same accounts details you gave to us the previous policy year.

     If you pay for your policy by credit/debit card, we’ll collect the renewal premium on the renewal
     date from the last card details you gave us.

     Data protection notice

     Please take a few minutes to read this section carefully as it contains important information
     relating to the details that you will give or have given us.

     You should show this Data Protection Notice to anyone covered or proposed to be covered
     under this policy. This notice explains how we may use the details you provide us with.

     Hastings Insurance Services Limited and the insurer named on your schedule of insurance
     act as joint data controllers for the purpose of the Data Protection Act 1998 in relation to the
     personal data you supply. Information you provide about yourself and others will be used by us
     and your insurer to process your request in accordance with the Data Protection Act and other
     applicable laws. In order to assess the terms of the insurance contract or administer claims
     that arise, we or the insurer may need to collect data that the Data Protection Act defines as
     sensitive (such as medical conditions or criminal convictions). By proceeding to provide any
     sensitive information about a third party (e.g. an additional driver), you must obtain their prior
     agreement to this and we will proceed on the basis that you have done so. We will pass your
     information to other organisations (e.g. service providers) to enable them to provide the services
     you have requested, and they in turn may pass your information to their agent(s) in order to
     deliver the service or carry out relevant investigations.

 Occasionally, insurers/organisations may transmit or store your data outside the European
 Economic Area (EEA) in countries that do not have the same standards of protection for
 personal data as the UK.

14     Car Insurance Policy Wording                                Customer Service 0800 035 4801
When do we collect personal data?

We collect personal information directly from you when you register for any online service
with us or deal with us over the telephone, such as a request for a quote, the purchase of an
insurance policy through us or the provision of policy administration or claims handling
services. We limit the collection of personal information to what we need to know to maintain
the accuracy of our records, and assess the financial standing of customers, to assist us in
providing a high standard of service, and to fulfil any legal and regulatory requirements.
We will do our best to ensure that your details are accurate and kept up-to-date and we would
ask you to assist us in doing so by notifying us of any changes to your personal information.

All personal information provided by you is held securely and in confidence by us in our
computerised and other records. When we process your personal information we do so in
compliance with the terms of Act. We maintain strict security standards and procedures with
a view to preventing unauthorised access to your data. We use leading technologies, such as
data encryption, fire walls and server authentication to protect the security of your data.
All our staff and all third parties we may hire from time to time to provide support services are
required to observe our privacy standards.

How we will use your data

This notice explains how we may use the details you provide us with. The data you provide
will be used by us and shared with other insurers and associated supplier as well as certain
statutory and other authorised bodies for:

Insurance underwriting purposes—i.e. to examine the potential risk in relation to your
(and/or a third party’s) prospective policy so that we can:
  • Help your insurer to consider whether to accept the relevant risk;
  • Make decisions about the provision and administration of insurance and related services
    for you [and members of your household].
  • Validate your (or any person or property likely to be involved in the policy or claim) claims
    history (at any time, including upon application for insurance, in the event of an accident
    or a claim, or at a time of renewal).
  • Provide your (or any person included on the proposal) Driving Licence Number (“DLN”) to
    the DVLA to confirm your (or the relevant person included on the proposal) licence status,
    entitlement and relevant restriction information and endorsement/conviction data.
    Searches may be carried out prior to the date of the insurance policy and at any point
    throughout the duration of your insurance policy including at the mid-term adjustment and
    renewal stage. A search of the DLN with the DVLA should not show a footprint against
    your (or another relevant person included on the proposal) driving licence.

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• Searching your (or any person included on the proposal) 'no-claim discount’ (“NCD”)
         details against a NCD database to obtain information in relation to your NCD entitlement.
         Such searches may be carried out against your (or the relevant person included on the
         proposal) DLN, name, date of birth, Vehicle Registration Mark (“VRM”) and/or postcode.
         A search of the DLN against the NCD database should not show a footprint against your
         (or another relevant person included on the proposal) driving licence.
       • Searches may be carried out at point of quote and if an insurance policy is incepted at the
         renewal stage.
       • In relation to our online quotation service, to provide you with one or more online quotations
         on behalf of one or more insurers.
       • In relation to our online cover service, to consider your application for, and facilitate your
         purchase of, an insurance policy through us.
       • To provide you with other services, including managing and administering the insurance
         policies you take out through us, and providing assistance with your claims and enquiries.
       • For the purposes of insurance administration by us or our agents, by our re-insurers and
         your intermediary (if you have one) and may be disclosed to regulatory bodies for the
         purposes of monitoring and/or enforcing our compliance with any regulatory requirements
       • To offer you the opportunity to renew a policy or purchase a replacement policy.
       • To update our records about you.
       • To improve the quality of our service and the efficiency of our website and systems.
       • If prior consent has been received, we may market you with other products which we
         believe may be of interest to you.

     Management information purposes—i.e. to analyse insurance and other markets for the
     purposes of:
       • Portfolio assessment.
       • Risk assessment.
       • Performance reporting.
       • Management reporting.
       • Conducting research and statistical analysis to facilitate our internal customer service
         monitoring.

16     Car Insurance Policy Wording                               Customer Service 0800 035 4801
Anti fraud purposes—i.e. to detect and prevent fraudulent claims and/or activities by:
  • Sharing information about you with other organisations e.g. insurers, law enforcement
     agencies and public bodies including the police. These organisations may access and use
     this information for the detection investigation of or prevention of crime.
  • The insurer and other organisations may also access and use this information to prevent
     fraud and money laundering, for example, when:
     • Checking details on applications for credit and credit related or other facilities.
     • Managing credit and credit related accounts or facilities.
     • Recovering debt.
     • Checking details on proposals and claims for all types of insurance.
     • Tracing debtors or beneficiaries, recovering debt, managing your accounts and or
        insurance policies.
     • Undertaking fraud searches. Insurers pass information to the Claims Underwriting and
        Exchange Register and where appropriate the Motor Insurance Anti-Fraud and Theft
        Register administered by Insurance Database Services Limited (“IDSL”). This helps
        insurers check information and prevent fraudulent claims. When we deal with your
        request for insurance we may search these registers.
  • Undertaking searches against your (or any person included on the proposal) DLN against
     details held by the DVLA to confirm your licence status, entitlement and restriction
     information and endorsement/conviction data. This helps insurers check information to
     prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure.
     A search of the DLN with the DVLA should not show a footprint against your (or another
     relevant person included on the proposal) driving licence.

Credit checks

Making searches to credit reference agencies, including checking voters roll information.
We and/or your insurer may pass information about you to credit reference agencies, where
it is necessary to carry out a credit check search on you before we and/or your insurer provide
you with any services (including quotations and prior to offering a renewal). We may also ask
credit reference agencies to provide a credit score computation. You should be aware that the
results of these searches will be recorded by credit reference agencies and that we and/or
your insurer and other organisations may use those records in order to help make credit
decisions about you, people financially linked to you and others in your household.
Often insurance and other financial services providers will only request a credit check once
you have decided on a particular supplier.

Every application you submit for a loan or credit card, however, may affect your credit score so
you may wish to keep applications to a minimum to protect your credit rating.

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• Searching your (or any person included on the proposal) ‘no-claim discount’ (“NCD”)
         details against a NCD database to obtain information in relation to your NCD. Such
         searches may be carried out against your (or the relevant person included on the
         proposal) DLN, name, date of birth, Vehicle Registration Mark (“VRM”) and/or postcode.
         A search of the DLN against the NCD database should not show a footprint against your
         (or another relevant person included on the proposal) driving licence.
       • Checking your identity to prevent money laundering (unless you furnish us with satisfactory
         proof of identity).

     The insurer and other organisations may access and use from other countries the information
     recorded by fraud prevention agencies. You should not assume we will write or make any
     outside enquiries and should take reasonable care to answer all questions as fully and as
     accurately as possible. If you volunteer information which is over and above that requested
     you must do so honestly and carefully.

     Compliance with legal obligations and responsibilities

     Claims management – In the event of a claim we may need to disclose information with any
     other party involved in that claim such as third parties involved in the incident, their insurer,
     solicitor or representative and medical teams, the police or other investigators. We also may
     have to investigate your claims and conviction history.

     Motor Insurance Database—Information relating to your insurance policy will be added to the
     Motor Insurance Database (MID) managed by the Motor Insurers' Bureau (MIB). MID and the
     data stored on it may be used by certain statutory and/or authorised bodies including the Police,
     the DVLA, the DVLNI, the Insurance Fraud Bureau and other bodies permitted by law for
     purposes not limited to but including:
       • Electronic Licensing.
       • Continuous Insurance Enforcement.
       • Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
       • The provision of government services and or other services aimed at reducing the level
          and incidence of uninsured driving.
       • If you are involved in a road traffic accident (either in the UK, the European Economic
          Area or certain other territories), insurers and or the MIB may search the MID to obtain
          relevant information.
       • Persons (including his or her appointed representatives) pursuing a claim in respect of
          a road traffic accident (including citizens of other countries) may also obtain relevant
          information which is held on the MID. It is vital that the MID holds your correct registration
          number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized
          by the Police. You can check that your correct registration number details are shown on
          the MID at www.askmid.com.

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Complaints management—If you make a complaint about the service we have provided, we
may be obliged to forward details about your complaint, including your personal information,
to the relevant ombudsman.

How your data will be processed

Information which is supplied to IDSL and MID can include details such as your name, address
and date of birth together with details of any injury arising from a claim.

Your data may be transferred to any country, including countries outside of the European
Economic Area, for any of the purposes mentioned above.

Under the conditions of your policy, you must tell us about any incident (such as an accident or
theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass
information relating to it to IDSL and other appropriate agencies. If false or inaccurate information
is provided and fraud is identified, details will be passed to fraud protection agencies.

We will pass details of your ‘no-claim discount’ to certain organisations to be recorded on a
NCD database. This will occur if information requires updating or correcting at any stage, and
also at the renewal stage of your policy and upon or after the cancellation of your policy prior
to the expiry date.

You can ask for more information about this. If you require such information, please contact
Hastings Direct.

Please note that if you give us false or inaccurate information it may invalidate your insurance
policy or prospective insurance policy or could affect the amount we pay to settle any claims
you make under the policy.

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Can I see the personal information you hold about me?

     You have the right to receive a copy of the personal information we hold about you at any
     time, on written request and payment of a £10 administration fee.

     Should you wish to receive a copy of the personal information we hold about you, please write
     to the Data Protection Officer at Hastings Direct address shown below enclosing the £10
     administration fee made payable to Hastings Insurance Services Limited, and we will deal with
     your request within the regulatory 40 day period.

     If you would like us to remove any personal information from our records, then please write to
     our Data Protection Officer at:

     Hastings Direct,
     Conquest House,
     Collington Avenue,
     Bexhill on Sea,
     East Sussex,
     TN39 3LW.

     Please be ready to quote your full name, address and if applicable your policy number when
     contacting us. We will make all reasonable efforts to delete your information from our files if
     it is deemed appropriate.

     You should check your statement of insurance to ensure that all facts given are correct. It is
     an offence under the Road Traffic Act to make a false statement or to withhold information to
     obtain the issue of a motor insurance certificate. If you give us any additional information in
     writing you should keep a copy for your records.

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Motor insurance policy

Car Insurance Policy Wording      Customer Service 0800 035 4801   21
Key Facts
     Your policy summary
     This summary lists some key points but does not describe all the terms and conditions of your
     policy, so please take time to read the rest of this booklet to make sure you understand the
     cover it provides. When reviewing your policy it should be read in conjunction with your policy
     schedule and certificate of motor insurance.

     Reporting claims:
     To report a new claim for accident, fire or theft please call 0844 5611417
     To report a new claim for accident, fire or theft from outside of the UK please call
     00 44 1424 73 85 85

     If the only damage is to the windscreen or windows in your car, please call the glassline shown
     on your certificate of motor insurance and on your schedule. This line is open 24 hours a day
     365 days a year.

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The features and benefits that apply to your policy are shown below - please refer to the
column that matches the level of cover you selected (details of which can be found on your
statement of insurance and policy schedule).

 Policy features & benefits                                                               Policy cover
                                                                          Comprehensive    Third party    Third party
                                                                                           fire & theft      only

 Section 1    Damage to your car (except that caused by fire & theft)        Covered       Not covered    Not covered
              up to its market value.

 Section 2    Damage or loss by fire or theft up to its market value.        Covered         Covered      Not covered

 Section 3    Legal liability for damage to other people’s property up       Covered         Covered       Covered
              to £20m (or £25m in total, including all costs).
              Third party only cover, whilst you are driving another
              car not hired, owned, or lent to you, where this is
              shown on your certificate of motor insurance.

 Section 4    Personal accident, for you, spouse or civil partner, up        Covered       Not covered    Not covered
              to £5000 for death or loss of sight or limb (above the
              ankle or wrist). Benefit not applicable for claimants
              over the age of 75.
 Section 5    The same level of cover applicable to this policy for          Covered         Covered       Covered
              up to 90 consecutive days within the countries listed.

 Section 6    Medical expenses up to £500 for each injured person.           Covered       Not covered    Not covered

 Section 7    Personal belongings up to £300 for personal belongings in      Covered       Not covered    Not covered
              your car, that are lost or damaged by accident or fire or
              theft.

 Section 8    Damage to your car's windscreen and windows.                   Covered       Not covered    Not covered

 Section 10   Replacement of a child's car seat or booster seat,             Covered         Covered      Not covered
              provided a claim for loss or damage to your car is
              made under sections 1 or 2 of this policy.

 Section 11   Up to £50 per person, to a maximum of £250 for one             Covered       Not covered    Not covered
              of the following in the event you are unable to continue
              your journey as a result of loss or damage to your car
              under sections 1 or 2 of this policy:
              •      Travelling expenses for occupants of the insured
                     car towards reaching your destination; or
              •      One night’s hotel accommodation on the day of
                     the accident or loss for the occupants of the
                     insured car where the loss of use necessitates
                     an unplanned overnight stop.

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Significant policy exclusions and limitations

     For full details please refer to sections 1 and 2 and the general exceptions section of this
     booklet.

       • Excludes injury, loss or damage when your car is driven by someone who is not a
     Sections 1 & 2 and general exceptions.

         permitted driver.
       • Cover is excluded in respect of loss of the use of your car, wear and tear, loss of value,
         loss by deception or repossession by the rightful owner.
       • Excludes any loss or damage caused by a member of your immediate family, or a person
         living in your home taking your car without permission unless you report the person to the
         Police for taking your car without your permission and assist the Police in a prosecution.
       • Loss of or damage to your car while;
         (a) the ignition keys have been left in or on your car or;
         (b) your car has been left unattended with the engine running.
       • Cover may not be provided for malicious damage, theft or attempted theft if you have
         stated that your car will be garaged and the incident occurs when your vehicle is not
         garaged but is within the vicinity of your declared garaging address.
       • The first £295 of a claim when your car is being driven by or in the charge of any person
         who is under 21, or the first £195 of a claim when your car is being driven by or in the
         charge of any person who is aged 21 to 24, or anyone who has not held a full UK or
         EU/EEC driving licence for at least one year. These amounts are in addition to the
         excesses shown on your schedule.
       • Cover is not provided if you or any person entitled to drive on your policy is convicted of
         an offence involving drink or drugs, or was driving when under the influence of drink or
         drugs, when the accident happened.
       • Loss or damage to your car caused by an inappropriate type or grade of fuel being used.

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Cancellation rights

For full details, please see the cancellation section on pages 49 and 50 of this booklet.

Your right to change your mind
You have the right to cancel this policy within 14 days of taking it out or renewing it (or within
14 days of receiving the policy documents or renewal schedule, if later), without giving a
reason. Unless you have made a claim under the policy, you will receive a refund of premium
paid, after the deduction of our fees and any insurer’s premium for the period you have been
insured. In these circumstances, the effective date of cancellation will be the date that you
serve notice of your wish to cancel.

Cancellation Rights
We and your insurer both have the right to cancel your policy at any time by giving you 7 days
notice in writing. We or your insurer will send a cancellation letter to the latest address we
have for you and will set out the reason for cancellation in the letter. Neither we nor your
insurer will ever cancel your policy without a valid reason for doing so.

We may also cancel this policy without giving you notice and without refunding your premium if you:
 • Do not keep to the terms and conditions of this policy in any significant way.
 • Make or try to make a fraudulent claim under this policy or where we reasonably suspect fraud.
 • Fail to cooperate with our or your insurer’s representatives, use threatening or abusive
    behaviour or language, or intimidation or bullying of our or your insurer’s staff or suppliers.

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Caring for our customers

     It is always our intention to provide you with a high level of customer service. However, if you
     are dissatisfied with the service provided by Hastings, the best way to contact us is via e-mail
     at the address below, you may also contact us by phone or letter:
         • customerrelations@hastingsdirect.com
         • Tel: 0800 035 4801 or 0333 321 9801 (from mobile or non BT Lines). (Customer Service Helpline)
         • Customer Relations Department, Hastings Direct, Conquest House, Collington Avenue,
            Bexhill-On-Sea, East Sussex, TN39 3LW.

     After this action if you are still not satisfied with the way a complaint has been dealt with you
     may refer your complaint to the Financial Ombudsman Service within six months of receiving
     our final response letter.

     The address is:
     Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR

     Tel: 0800 023 4567 or 0300 123 9 123 (from mobile or non BT lines)
     E-mail: complaint.info@financial-ombudsman.org.uk

     If your insurance is at Lloyd’s, then in the event that you remain dissatisfied and wish to make
     a complaint, you can do so at any time by referring the matter to the Policyholder and Market
     Assistance team at Lloyd’s.

     Their address is: Policyholder & Market Assistance, Market Services, Lloyd’s, One Lime Street,
     London EC3M 7HA Tel No: 020 7327 5693 Fax No: 020 7327 5225
     E-mail: complaints@lloyds.com

     Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint - How We Can
     Help” available at www.lloyds.com/complaints and are also available from the above address.

     Making a complaint will not affect your right to take legal action.

     Financial Services Compensation Scheme (FSCS)

     We are covered by the FSCS. You may be entitled to compensation from the scheme in the
     unlikely event we cannot meet our obligations to you. This depends on the type of insurance,
     size of the business and the circumstance of the claim.

     Further information about the compensation scheme arrangements is available from the FSCS
     (www.fscs.org.uk).

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Information about your policy documents

Your motor insurance contract is made up of:
  • This policy booklet;
  • Your schedule which has details of you, your insurer, your car and the cover provided;
  • Your current certificate of motor insurance which gives details of who may drive your car
    and what your car can be used for; and
  • Your statement of insurance which shows all the information you have provided us and on
    which the cover has been based.

Your schedule will show you which sections and endorsements in this policy apply to you.
You should keep a record (including copies of letters) of all the information you supply us with,
in relation to this insurance.

Contract of insurance

This policy is a contract solely between you and the insurer (as shown on your current
certificate of motor insurance). It is not intended that the Contracts (Rights of Third Parties)
Act 1999 should confer any additional rights under this policy in favour of any third party.
The information provided by you, to us as stated on your statement of insurance forms part
of this contract.

If you have paid or agreed to pay the appropriate premium, and arrangement and administration
fee the insurer will provide insurance, under the terms set out in this policy, for injury, loss or
damage occurring during the period of cover.

Under European law, you and we may choose which law will apply to the contract. Unless you
and we have agreed otherwise, English law will apply.

We will communicate in English throughout the course of this contract.

For and on behalf of the insurer:

Tobias van der Meer
Managing Director Hastings Insurance Services Limited

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Guide to cover
     Your schedule shows the cover you have selected.

      Policy features & benefits                                            Policy cover

                                                            Comprehensive     Third party    Third party
                                                                              fire & theft      only

      Section 1       Damage to your car                       Covered       Not covered     Not covered

      Section 2       Damage or loss by fire or theft          Covered         Covered       Not covered

      Section 3       Legal liability to third parties         Covered         Covered        Covered

      Section 4       Personal accident                        Covered       Not covered     Not covered

      Section 5       Using your car abroad (foreign use)      Covered         Covered        Covered

      Section 6       Medical expenses                         Covered       Not covered     Not covered

      Section 7       Personal belongings                      Covered       Not covered     Not covered

      Section 8       Glass damage                             Covered       Not covered     Not covered

      Section 10      Child seat cover                         Covered         Covered       Not covered

      Section 11      Overnight accommodation or onward
                                                               Covered       Not covered     Not covered
                      transport following a claim

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Meaning of words
The following defined words will carry the same meaning wherever they are shown in bold
from this point forward. The terms we, us, our, you, and your also have a defined meaning
listed here, but are not highlighted in bold throughout the policy.

Certificate of Motor          The proof of the motor insurance you need by law.
Insurance                     The certificate of motor insurance shows what car
                              is covered, who is allowed to drive the car and what the
                              car can be used for.

Endorsement                   A clause which changes the terms of the policy. Any
                              endorsements which apply will be shown on your schedule.

Excess                        The part of the claim that you must pay.

Insurer                       The insurance company or Lloyd's syndicate insurer whose
                              name is shown on your certificate of motor insurance and
                              schedule.

Market Value                  The cost of replacing your car in the United Kingdom at the
                              time the loss or damage occurred with one of a similar make,
                              model, age and condition. Publications may be used which
                              refer to vehicle values such as Glass's Guide to assess the
                              market value, with an allowance being made for the mileage,
                              condition and circumstances of purchase by you.

Nominated Repairer            A repairer from your insurer’s approved network, whom your
                              insurer will authorise to repair your car following a claim
                              under Section 1 or Section 2 of this policy.

Period of Cover               The period you are insured for, as shown on your certificate
                              of motor insurance.

We/Us/Our                     Hastings Insurance Services Limited trading as Hastings Direct
                              on behalf of the insurer identified on your certificate of
                              motor insurance.

You                           The policyholder named on your schedule.

Your Car                      The car described on your schedule.

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